Updated September 28, 2026 · SumCue Editorial Team
Credityes ES vs Que Prestamo
Credityes ES
Higher score in this comparison
Que Prestamo
Credityes ES vs Que Prestamo: the differences
| Compare | Credityes ESReviewVisitVisit | Que PrestamoReviewVisitVisit |
|---|---|---|
| APR | 0% to 36%Lower | 7% to 35% |
| Loan amount | €100 to €5,000 | €5,000 |
| Term | 2 to 36 months | 1 to 72 monthsHigher |
| Arrangement fee | 0 EUR (free for the customer; the service charges no commission for selecting the loan) | 3.5% of the loan amount, deducted from the disbursed amount (loan processing fees of the financial entity) |
| Funding time | Money in a few minutes after a positive decision | Approval in 5 minutes, money in your account in 15 minutes |
| Representative example | Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 0% | 5,000 EUR over 24 months: 4,825 EUR received, 5,482.17 EUR total repayable at 9.38% TAE |
| Eligibility | Must reside in Spain and be over 18; needs an email address, mobile number and a bank account (IBAN) in your own name | Over 18, valid DNI or NIE, current account in your own name, active mobile number; residents of Spain, no guarantors required |
| Origination fee (%) | 0%Lower | 3.5% |
| Loan types | Personal, PaydayCovers more | Personal |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Broker).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Credityes ES scores higher overall: 8.9 vs 8.6.
- APR is lower at Credityes ES: 0% to 36% vs 7% to 35%.
- Origination fee (%) is lower at Credityes ES: 0% vs 3.5%.
- Term is higher at Que Prestamo: 1 to 72 months vs 2 to 36 months.
- Loan types: only Credityes ES offers Payday.
Our verdict on each
Credityes ES
Credityes ES suits Spanish residents who want a modest personal loan with no arrangement fee, and Money in a few minutes after a positive decision makes it useful for an urgent bill. The €100 to €5,000 ceiling and email for contact keep it in the small, self-serve corner of the market.
Que Prestamo
Que Prestamo suits Spanish residents who want a personal loan paid out the same day and can cover a fee taken off the top. Its cost picture is the weak point: the annual percentage rate runs 7% to 35%, and the fee of 3.5% is deducted from the amount disbursed.
Score breakdown
| Area | Credityes ES | Que Prestamo |
|---|---|---|
| Cost | 9.7HigherAPR of 0% to 36% is a wide range, so the cost depends on the file; the origination charge is 0%. | 8.8Annual percentage rate of 7% to 35% plus an arrangement fee of 3.5% taken off the amount before it reaches the account. |
| Offer | 8.4 | 8.7Higher |
| Trust | 8.5 | 8.5 |
Pick Credityes ES if, pick Que Prestamo if
Pick Credityes ES if cost, apr, origination fee (%), and loan types matter most.
Pick Que Prestamo if offer and term matter most.
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
Credityes ES
0 to 3,244.68
0 to 3,244.68
Que Prestamo
557.88 to 3,142.49
557.88 to 3,142.49
Credityes ES comes out 557.88 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
How they place
| Ranking | Credityes ES | Que Prestamo |
|---|---|---|
| Loans | 13 of 2043 | 9 of 2043 |
| Personal loans | 10 of 1317 | 6 of 1317 |
Every fact side by side
| Fact | Credityes ES | Que Prestamo |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | SIA DoAff | Leads for Finance S.L.U. |
| Headquarters | Latvia | Spain |
| Support channels |
Where each stands against the rest
| Fact | Credityes ES | Que Prestamo | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 7% to 35%below the median | 9.99 |
| Loan amount | €100 to €5,000below the median | €5,000below the median | €40,000 |
| Term | 2 to 36 monthsbelow the median | 1 to 72 monthsabove the median | 60 |
| Origination fee (%) | 0%at the median | 3.5%highest quarter | 0% |
Median across 1096 listed providers.
Pros and cons
Credityes ES
Pros
- The arrangement fee is free for the customer, and the service takes no commission for choosing which loan you get.
- Money moves fast: Money in a few minutes after a positive decision.
- Borrowing for a short bridge or a longer personal loan runs through the same application: personal and payday.
Cons
- Support runs on email only, so a disputed payment has to be settled in writing.
- The expensive end of 0% to 36% sits well above Sofkredit's 10.74% to 18.06%, so a weaker file pays more here.
- Borrowing stops at €100 to €5,000, far short of Creduma ES's from €12,000, so larger work is out of reach.
Que Prestamo
Pros
- Approval in Approval in 5 minutes, money in your account in 15 minutes, so a same day loan is realistic for anyone in a hurry
- No guarantor needed, which widens who can qualify
- Personal loans up to €5,000 and terms of 1 to 72 cover short and long borrowings
Cons
- The arrangement fee of 3.5% is deducted from the disbursed amount, so you receive less than the amount approved
- Rates of 7% to 35% sit well above Sofkredit at 10.74% to 18.06%
- Support runs on email only, so there is no phone or chat line for a live loan query
Who each suits
Credityes ES
Who it suits
- Spanish residents with a repair or bill to cover inside €100 to €5,000.
- Borrowers in a hurry, since Money in a few minutes after a positive decision once a decision is positive.
- People who would rather not pay a setup charge, since the arrangement fee is free to the customer.
Who should look elsewhere
- Anyone after a bigger project, who should compare Creduma ES at from €12,000 first.
- Borrowers likely to be quoted near the top of 0% to 36%, since Sofkredit's 10.74% to 18.06% stops lower.
Que Prestamo
Who it suits
- Residents of Spain with a current account in their own name and an active mobile number
- Adults with a valid DNI or NIE who can cover a fee taken off the loan amount
- Borrowers who need money in the account the same day rather than at the end of the week
Who should look elsewhere
- Anyone who wants the full approved amount in the account, since the fee is deducted first
- Borrowers wanting a low rate, where Sofkredit at 10.74% to 18.06% is the cheaper comparison
- Larger sums, since Creduma ES offers amounts from from €12,000
Current offers
Credityes ES
Current offer
First period offer
First loan at 0% TAE (0% interest): TAE 0% on the first loan
First loan only and only from some partner lenders; the site's stated TAE span is 0% to 36%, and the amount and rate can change after the questionnaire
Source, checked September 26, 2026
Country by country
| Country | Credityes ES | Que Prestamo |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Credityes ES
What does it cost to take a loan through Credityes ES?+
The arrangement fee is free for the customer, and the service takes no commission for choosing a loan, so the interest rate is the only charge to unpick. The origination charge is 0%. What moves the bill is APR of 0% to 36%, quoted as a range rather than a single rate, so a weaker file can land near the top of it.
How much can I borrow, and for how long?+
Loan amounts run €100 to €5,000 and terms run 2 to 36, so the product suits sums cleared over a short period rather than long financing. Anything larger than that ceiling, or a term past the longest one, sits outside what this broker will arrange.
Que Prestamo
What does Que Prestamo cost to borrow?+
The annual percentage rate runs 7% to 35% on personal loans. On top of that, an arrangement fee of 3.5% of the loan amount is charged as loan processing fees of the financial entity, and it is taken off the amount disbursed rather than billed separately.
How much money actually lands in my account?+
Less than the amount approved, because the arrangement fee of 3.5% is deducted from the disbursed amount. The representative example shows this clearly, with the amount received lower than the amount borrowed and the total repayable higher again once interest is added.